I had a wreck in Feb this year. USAA handled the vehicle part superbly and in a timely manner. However, the third party company they are using for the medical and PIP are horrendous. The claim is still open. Copies of the bills have been sent to them many times and as of the end of June the medical bills have not been paid, including my personal doctor of many years. USAA Insurance is affecting MY credit with the bills being unpaid. We have called numerous times and after dozens of years with USAA we are thinking of the possibility of changing insurance companies for ALL our insurance needs. USAA has let the veteran and his wife down which is not how they grew the business. Just beware and check everything if thinking of switching to USAA Insurance. Heck, they even had us open a USAA bank account in Feb. so they could put the PIP and any other monies due us into the account. I hate to call an attorney but it looks like that is what it's going to take to get the medical bills paid and the PIP. Shame in you USAA.